| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY, INC. | 1120 MADISON AVE. TOLEDO, OH 43624 | DELTA DENTAL PLAN OF MICHIGAN | $5K | $17K | $22K | 12.12% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE. TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $91 | $2K | 15.75% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVE. TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 2.24% |
| USI INSURANCE SERVICES LLC | 1120 MADISON AVE. TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $33 | $33 | 3.56% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY, INC. | 1120 MADISON AVE. TOLEDO, OH 43624 | MEDICAL MUTUAL OF OHIO | $43K | $46 | $43K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 357 | $0 |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 858 | $182K |
| Life insurance | 0 | $47K | |
| Short-term disability(2 contracts, 2 carriers) | 7 | $58K | |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $13K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 357 | $0 |
| Other | 0 | $47K | |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.